Joseph O'Haver is the principal of O'Haver Wealth Management, LLC in Newark, NY, with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Sagepoint Financial, Inc. and IBN Financial Services, Inc. in addition to his own firms. Outside of investment advisory, he operates O'Haver Financial, LLC, providing tax preparation, payroll processing, and insurance sales services. O'Haver Wealth Management, LLC offers portfolio management and financial planning to individuals, high-net-worth clients, charitable organizations, and corporate entities. The firm uses client-specific Investment Policy Statements and a combination of charting, fundamental, quantitative, and technical analysis to tailor asset allocation and security selection, focusing on mutual funds, fixed income, ETFs, annuities, and private placements.

Richard Lavoie is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 23 years of industry experience. He has been with Commonwealth since 2014 and currently operates StillWater Planning Group. Outside of advisory work, he is involved in fixed insurance sales and owns several private entities related to securities and real estate management. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and comprehensive back-office support, allowing advisors discretion in portfolio construction alongside managed model portfolios and personalized investment solutions.

Austin Allen is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and two years of industry experience. His career includes roles at Empower Financial Services, Strategic Financial Solutions, and Eagle Insurance, as well as five years working in education at the junior and high school levels. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates in its planning approach and serves a large participant base relative to its advisor headcount.

Paul Kato II is a financial advisor with Principal Financial Services, holding a Series 66 credential and one year of industry experience. Prior to joining Principal, he worked at Equitable Advisors for one year and spent over two decades at Avantor. He is also involved in the sale of life, disability, annuities, health, long-term care, dental, Medicare, and medical insurance through various carriers. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under multiple advisory and promoter arrangements.

Sara Overslaugh is a financial advisor with &Partners, LLC, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC, where she worked for a combined 15 years. &Partners serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and private business owners. The firm offers a broad range of services such as portfolio management, financial and tax planning, estate and trust consulting, and retirement plan education, utilizing a combination of proprietary and third-party strategy models along with platform technology.

Joseph Hayes is a financial advisor with Principal Financial Services and holds a Series 66 designation. He has two years of industry experience, with prior roles at Equitable Advisors, Starbridge Inc, and Principal Life Insurance Co. Outside of his advisory duties, he serves as a board member of Compeer Rochester, a nonprofit organization, and volunteers with The Dove Block Project, a community arts center in Geneva, NY. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individuals, retirement plans, trusts, and corporations. The firm offers direct advisory programs, financial planning, and access to third‑party money manager solutions through various advisory and promoter arrangements.

Pamela Tierney is a financial advisor with Primerica Advisors in Geneva, NY, holding a Series 63 designation and 31 years of industry experience. She has been with Primerica Advisors since 1999 and also has long-term associations with Pony Express & Company and The Guardian Life Insurance Company. Outside of her advisory role, she serves as a trustee for a family account and acts as an estate administrator. Primerica Advisors operates under Park Avenue Securities LLC, serving a broad retail client base with both brokerage and advisory services. The firm offers various proprietary and third-party investment programs and integrates multiple strategies, including discretionary and non-discretionary account management.

Gregory Schmitter is a financial advisor at Edward Jones in Seneca Falls, NY, holding a Series 66 designation with one year of industry experience. Prior to joining the firm, he served with the New York State Police for 18 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michelle Raymond is a financial advisor at Morgan Stanley with Series 63 and Series 66 designations and 15 years of industry experience. She has worked with Morgan Stanley since 2009 and specifically with Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she organizes community donation drives through the youth and community organization Hwa Rang Kwan in Geneva, New York. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Henry Sandlas V is a CFP® and holds a Series 66 license with six years of industry experience. He has been with Edward Jones since 2019 and previously worked at Lockheed Martin Corporation and JMS Industries Inc. He studied at Cedarville University from 2013 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and tax-efficient services.

Scott Ditzell is a financial advisor with Mass Mutual Investors Services, holding the Series 63 designation and 15 years of industry experience. He has been with Mass Mutual Investors Services since 2010 and has worked with MassMutual Life Insurance Co since 2009. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap programs, money-manager programs, and educational seminars, structuring financial planning as annual, collaborative relationships with clients.

Michele Wilck is a financial advisor with LPL Financial in Geneva, NY, holding Series 63 and Series 65 credentials and 34 years of industry experience. Prior to joining LPL Financial in 2018, Wilck worked at INVEST Financial Corp for six years and has been affiliated with Community Bank, NA since 2012. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Bruce Bowman is a financial advisor with Mass Mutual Investors Services and holds the Series 63 designation. He has 39 years of industry experience, including roles at MetLife Securities Inc. and Metropolitan Life Insurance Company. Outside of his advisory work, he serves as a trustee overseeing the financial activities of a local fraternal organization. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm focuses on collaborative, goal-driven planning using firm-approved analytical tools and offers a range of investment and planning programs.

Adam Rayburn is a financial advisor at Edward Jones in Geneva, NY, holding a Series 66 designation with six years of industry experience. He has been with Edward Jones since 2019 and previously worked at Paychex Inc. from 2015 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies through a large network of financial advisors and branch offices.

Andrew Ward is a CFP® professional with nine years of industry experience, currently affiliated with LPL Financial in Canandaigua, NY. His career includes multiple roles at LPL Financial and ESL Investment Services, LLC, as well as experience at Keybank and American Portfolios Financial Services, Inc. He is also involved in non-variable insurance sales through ESL Investment Services. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers diverse investment solutions supported by an in-house research team and a large network of investment adviser representatives, combining advisory operations with insurance and credit products.

Trevor Lacz is a financial advisor with LPL Financial in Canandaigua, NY, holding Series 63 and Series 66 credentials and two years of industry experience. He has worked at ESL Investment Services, LLC, LPL Financial, and ESL Federal Credit Union. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households, offering a range of financial planning and investment management solutions supported by an in-house research team.

Leigh Blackiston is a financial advisor with Morgan Stanley in Geneva, NY, holding a Series 66 designation and six years of industry experience. Prior to joining Morgan Stanley in 2019, Blackiston held positions at Merrill Lynch, Peoples Bank, and has been involved with Ports Cafe since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to support its financial planning services.

Robert Gringeri is a financial advisor with Wells Fargo Clearing in Geneva, NY, holding a Series 63 designation and 39 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory work, he is a board member of the Town of Geneva Planning Board and a partial owner of the Vanderbilt Marsh Hunting Club. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm includes insurance-related products and bank deposit sweep options in its investment menus, serving institutional clients with a fiduciary approach.

David Deraddo is a CFP® professional with 14 years of industry experience, currently affiliated with LPL Financial in Farmington, NY. He has worked at LPL Financial and Lyons National Bank since 2011. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and delivers services through a large network of investment adviser representatives.

Jason Swartley is a financial advisor at OSAIC with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mass Mutual Investors Services, Hornor Townsend & Kent LLC, and Securities America. Outside of his advisory role, he serves as an elected committee member for the Seneca County Republican Party representing the Town of Fayette. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a broad client base, including individual investors, pension plans, corporations, and charitable organizations. The firm employs a comprehensive investment process incorporating risk tolerance assessments, asset allocation tools, and portfolio optimization, offering access to various custodial platforms and investment products.

John Leahy is a financial advisor with Ameriprise in Romulus, NY, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2009. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing detailed, non-discretionary Recommendation Reports that incorporate Social Security, tax, and withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support retirement planning and delivers its service through a centralized consulting team in partnership with advisors like Leahy.

John Mccarthy is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Cadaret, Grant & Co., Inc. for 12 years. LPL Financial serves a diverse client base including individual investors, retirement plan sponsors, banks, charities, and high-net-worth households, offering a range of advisory and brokerage services supported by an in-house research team and various investment delivery options.

Richard Fredenburg is a financial advisor at Ameriprise with 32 years of industry experience. He holds the ChFC® and Series 63 designations and has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he is involved in managing practice income and expenses through a business ownership in Jagger Peak Rising LLC. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, offering tailored written recommendations that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered by a centralized consulting team, supporting clients with a range of advisory, brokerage, and insurance solutions.

Donald Rayburn Jr. is a Series 66-licensed financial advisor with Edward Jones in Geneva, NY, where he has worked since 2014, accumulating 11 years of industry experience. Outside of his advisory role, he owns and oversees Waters Edge Bed and Breakfast Resort and manages operations for North Shore Wellness Club. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, and offers affiliated mutual funds and a proprietary money market fund. The firm manages approximately $1.01 trillion in assets with a large network of advisors and branch offices nationwide.

Stephen Murawski is a financial advisor with Thrivent Investment Management in Newark, NY, holding a Series 66 designation and three years of industry experience. He has been with Thrivent and its affiliates since 2022 and previously served in local government for 15 years. Outside of his advisory role, Murawski serves as an Associate Pastor and a member of the Board of Trustees at New Life Assembly of God in Lyons, NY. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning on topics such as retirement, tax, estate, and special needs without implementing recommendations directly. The firm supports holistic, goal-based analyses and allows clients to combine planning with managed-account programs through a consolidated billing option.

Marc Kreuser is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise in Newark, NY. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured approach delivered by a centralized consulting team.

Jeremy Fredenburg Sr. is a financial advisor at Ameriprise with 28 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to his current role, he worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory work, he owns WSGB, LLC, through which he engages in educating, coaching, consulting, and research on financial industry topics. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Anthony Bianchi is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and previously worked at Merrill from 2020 to 2025. Bianchi served in the United States Army from 2016 to 2020. He is president of the Buffalo/Rochester Virginia Military Institute (VMI) Alumni Association, where he organizes events and supports new students. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

John Resch is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2015. Outside of his advisory role, Resch serves as a board member and finance committee participant for the Victor Farmington Food Cupboard in Victor, New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets.